JCPenney Credit Card is designed for frequent users of JCPenney. JCPenney, which was founded in 1902, is a high-end store with 100 years of experience, providing consumers with high-quality clothing, accessories, furniture and electrical appliances. JCPenney stores are most common in some other shopping malls anchored in suburbs.JCPenney has more than 1050 locations in 49 states and Puerto Rico now.People who would like to spend a lot of time (and money) in local stores, they may regard JCPenney credit cards as a suitable tool for saving money. However, those who have to tend to delay payment may find their quotas cut and/or accounts closed.
The JCPenney Credit Card is a closed-loop card, which means the cardholder can only use it to make purchases in JCPenney stores or through JCPenney official website. The JCPenney credit card also has the tendency to award lower limits than open-loop. Cards, with reviews citing average limits between $300 and $1,000. Additionally, the JCPenney Credit Card comes with a relatively high-interest rate, charging 26.99% APR for purchases.
There will be one point bonus when the cardholders have qualifying purchases from their cards. If you shop with by another payment way, there still exits earn points at a rate of one point per $2 spent. There will be a maximum of 2,000 points no matter how much you spend. A cardholder can have a $10 JCPenney Rewards certificate for every 200 points, which gives a value of $0.05 for each point.
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